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answered on Feb 16, 2023
The heirs aren't personally responsible, but the property is.
Typically after the passing of a borrower with a reverse mortgage, there are 3 options:
- Heirs purchase the property and/or refinance the loan to pay off the mortgage
- The estate sells the property if... View More 
answered on Feb 14, 2023
Is the HELOC in foreclosure? Do you already have a HELOC? Is it the first mortgage foreclosing, or the HOA?
If you have enough equity in the home, a HELOC may be able to help.
That said, if you've been served foreclosure papers, consult with an attorney ASAP. You don't... View More
Plaintiff did not remove their name from Deed ,when Foreclosure judgement was vacated, but they get another judgement (summary judgment for Foreclosures) how can defendant sale ? if this is wrong.
answered on Feb 7, 2023
Until a foreclosure auction takes place, you would not lose ownership. If you are the owner, you are welcome to attempt to sell the property. If there's equity in the property and a buyer in place, you may be able to hire counsel and prolong the foreclosure sale. Seek a free consultation.
I was summoned as a defendant, along with the owner and a village. What might be the reason for my summons?
answered on Nov 1, 2022
If you have been summoned, did you also receive a copy of the complaint? The complaint should say specifically why you are being named.
It's possible it's something simple that doesn't require a response, but it's possible you will need to file a response. Better safe... View More
We are both on the deed. He isn’t on the loan but wants to take the condo over. I have a conventional loan only and I been researching this that this type of loan isn’t assumable. So how can he take over the loan? He can’t refinance the loan either can he?
answered on Nov 1, 2022
Most mortgages aren't assumable, so he won't be able to "take over" the loan. Refinancing is the only option. If you remain on the deed, you'll probably have to sign the mortgage (not the note), so you may talk to a real estate attorney about the option of transferring the... View More
Initiate the sale... I am seperated from my husband. Our home is in His Name mortgage and deed and mine is on the deed. The Mortgage is not being paid and I have moved out. Want to sell so it does not go into forclosure. He is on drugs and does not seem to be doing anything. What am I able to do... View More
answered on Oct 26, 2022
Unfortunately, the deed is what controls who owns the property, and has a right to sell it. So all parties to the deed will have to agree. It is my understanding that a Realtor won't even entertain listing a property for sale without a signature from all the owners.
It may be time to... View More
I received a letter date August 19, 2022 informing me that a clubhouse association intends to foreclose on my property. I had 30 days to respond and dispute the claim (I missed this day) and if they did not hear from me within 45 day they would foreclose. This will take me to Monday to be the... View More
answered on Oct 19, 2022
Usually the only way to stop an HOA foreclosure is to pay or settle the amount due. The HOA foreclosure process in Florida can be very quick if you ignore the documents. I recommend a consultation with a foreclosure defense attorney. Most of us offer free consultations.
My dad gave me $215,000 to buy a house as a gift. The mortgage broker prepared a gift letter for me (19) to purchase this house in my sole name. I dislike my dad and he is toxic to my mental health. Down the road, I would like to kick him out of my house, since my name is on the mortgage and... View More
answered on Jul 10, 2023
You're going to need more than free advice on the internet. Consult with a local real estate attorney ASAP.
answered on Jun 26, 2023
The answer to "Why?" should be in the complaint. Have a foreclosure defense attorney review it. Usually the consultation is free. I am not licensed in Illinois, but there is an attorney in my firm who is.
answered on May 5, 2023
Can you provide some more details? What kind of case was this related to?
The mortgage payments have been getting paid I just want to get away from the person and rid of house ..
answered on Mar 1, 2023
All owners of record will need to agree to sale of the property, and the sale will have to cover the amount of the mortgage(s), otherwise it's considered a "short sale" which requires some negotiation with the lender.
My mom took out a loan without my dads consent m. They are both deceased and we are liable
answered on Mar 1, 2023
I'm sorry for your loss.
It sounds like the house itself and possibly (probably) your parents' estate could be held responsible for the debt.
If there's a foreclosure filed, consult with a foreclosure defense attorney ASAP. If not, start with probate counsel.
If there are costs such as filing fees, you would be expected to pay them at the time they are incurred. Based on the informaton on the docket, you likely will incur an RJI fee and motion fee totaling $140 if you want a motion made for permission to amend your answer. (alternatively we offer a... View More
answered on Feb 16, 2023
If you would like to compare different attorneys' fees, perhaps you should schedule a few more consultations.
answered on Feb 7, 2023
It is never wise to ignore the judicial process, even if the loan has been reinstated.
My primary residence in New Jersey was foreclosed on and went to sheriff sale. The same bank held the first mortgage position and a second mortgage position on a HELOC. The foreclosure action included both mortgages in the one action. The final judgment included both mortgages as did the Writ of... View More
answered on Feb 7, 2023
The 1099A is not the same as a deficiency. After foreclosure, I always recommend that income taxes are prepared by an accountant to protect you.
The Treaty of Adams and Onis are not the original Treaty on this land. The Treaty of Middle Plantation is the real Treaty and all of the land sold in America was sold illegally.
answered on Feb 7, 2023
I believe the statute of limitations will have expired on this issue.
Grandmother's property is in Camden County, NJ. Mortgage company entered a complaint in April 2022 that went unanswered because notification was NOT sent to the executor of the estate. Property is now in foreclosure scheduled for Sheriff's sale this week. The complaint, request for... View More
answered on Feb 6, 2023
Consult with an attorney ASAP. In short, yes, it's possible you may still be able to save the house and stop the foreclosure.
The home is in asheltered trust can for forclose onit
answered on Nov 7, 2022
This is too complex to answer online. Bring your documentation to a local real estate lawyer to review and determine if it's collectable.
Can I file a suit pro se?
They have very little money and the home owners insurance won't help them. The previous owner denies it was a meth lab despite heavy evidence to the contrary. However they have no money to sue in court. The house is under a mortgage. Its also unsafe to live in. They need to leave the home if... View More
answered on Nov 1, 2022
Did your friend order an inspection as part of the purchase process? Did the lender require an inspection or appraisal before approving the loan?
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